cascobiztosítás

Casco insurance, known in Hungarian as casco biztosítás, is a type of voluntary vehicle insurance. It is distinct from mandatory liability insurance (felelősségbiztosítás), which covers damages caused to third parties. Casco insurance primarily protects the insured vehicle itself against various risks.

The coverage offered by casco insurance can vary significantly depending on the policy chosen and the insurance provider. Common perils covered include damage resulting from traffic accidents, even if the insured driver is at fault. It can also provide protection against theft, fire, vandalism, and natural disasters such as storms or floods. Some policies may extend to cover damages caused by falling objects or animals.

There are typically different types of casco insurance. Full casco (teljes casco) offers the most comprehensive coverage, while mini casco (mini casco) provides a more limited set of protections, often focusing on specific risks like theft and fire. The cost of casco insurance is influenced by factors such as the vehicle's age, make, and model, the driver's history, the chosen deductible (önrész), and the extent of coverage. Deductibles are amounts the insured must pay out-of-pocket before the insurance coverage begins. Casco insurance is an important consideration for vehicle owners seeking financial protection beyond what mandatory liability insurance provides.